Terms of Use

These Terms of Use (“Terms”) govern your access to and use of Perdora (“Perdora”, “we”, “us”), a digital-asset wealth platform. By creating an account or using the platform you agree to these Terms. If you do not agree, do not use the platform.

1. What Perdora is — and is not

Perdora lets verified members hold digital assets and stablecoins and, subject to eligibility, earn a variable yield, borrow against their balance, and spend. Perdora is not a bank. Balances are not deposits and are not covered by any government deposit-protection or insurance scheme. Digital assets are volatile; you may lose value, up to and including your entire balance.

2. Eligibility and verification

You must be of legal age in your jurisdiction and able to enter a binding contract. The platform is unavailable where prohibited by law. Before your account may hold funds you must complete identity verification (KYC), and we must be able to meet our anti-money-laundering (AML) and sanctions obligations. We may refuse, suspend, or close an account where necessary to meet those obligations.

3. Your account

You are responsible for keeping your credentials secure and for activity that occurs under your account. Tell us immediately if you suspect unauthorised access. We are not responsible for losses arising from your failure to safeguard your account.

4. Earning, borrowing and spending

Any yield is variable and reflects actual performance — it is never fixed or guaranteed, and may be lower than illustrated, zero, or negative. Borrowing is over-collateralised: if your collateral falls below the required level, your position may be liquidated in whole or part, possibly at a loss, to repay the loan. Spending and rebate features are offered subject to availability and partner terms.

5. Risk

Using the platform involves significant risk. Please read our Risk Disclosure Statement, which forms part of these Terms.

6. Fees

Applicable fees are disclosed within the platform before you transact. We may change fees with reasonable notice.

7. Acceptable use

You agree not to use the platform for any unlawful purpose, to evade sanctions or AML controls, or to interfere with its operation, integrity, or security.

8. Suspension and termination

We may suspend or terminate access where required by law, to protect members or the platform, or where you breach these Terms.

9. No advice

Nothing on the platform is investment, legal, or tax advice. You are responsible for your own decisions and should seek independent advice where appropriate.

10. Limitation of liability

To the maximum extent permitted by law, Perdora is not liable for indirect or consequential losses, or for losses arising from market movements, third-party service failures, or your failure to safeguard your account. Nothing in these Terms limits any liability that cannot be limited by law.

11. Changes to these Terms

We may update these Terms. We will notify material changes through the platform; continued use after a change means you accept the updated Terms.

12. Governing entity and law

Perdora is operated by Perdura Capital Market Inc, an exempted company incorporated in the Cayman Islands with limited liability (registration no. SN-305482, incorporated 3 November 2020), verifiable at verify.gov.ky. Incorporation establishes the contracting entity; it is not a financial-services licence. Where required, Perdora serves members through applicable operating entities or partners in each market, and is pursuing registration ahead of opening in new regions. The jurisdiction and dispute-resolution terms that apply to your account are confirmed as Perdora completes registration in your market.

13. Contact

Questions about these Terms: legal@perdoracap.com.